VATAT
Charter #67661 · Austin, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,113 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.06% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.84% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.46% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VATAT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.61M | 3th pct | 20th pct |
| Members | 1,113 | 9th pct | 23th pct |
| Net worth ratio | 17.83% | 75th pct | 49th pct |
| Return on average assets | 0.06% | 20th pct | 23th pct |
| Net interest margin | 4.84% | 88th pct | 80th pct |
| Cost of funds | 1.77% | 85th pct | 69th pct |
| Loan-to-share | 84.50% | 89th pct | 66th pct |
| Delinquency 60+ days | 1.46% | 77th pct | 77th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -10.87% | 5th pct | 0th pct |
| Share growth YoY | 1.31% | 38th pct | 52th pct |
| Efficiency ratio | 75.31% | 38th pct | 39th pct |
structural peer set hash: ab2eff8ad9bbba1d0f1261f001eebb84… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.